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With the development of technology, now people’s life has become very convenient. They can just take a smart phone at hand and then all the bills can be paid by it.

Nowadays, the consumer credit is becoming more popular and people’s consumption idea is changing. Some people tend to spend tomorrow’s money for today’s comfort. They believe that

Money is very important for everyone in the world. Just as the proverb said,” money is not everything, but without money everything is nothing.” However, as almost everything needs money,